This portfolio has only about 1.4 years of historical data, based on the youngest asset in the portfolio. Some metrics, projections, and AI insights may be less reliable and should be interpreted with caution.

A growth-focused portfolio with strong tech exposure and moderate global diversification

Report created on Aug 2, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

3/5
Moderately Diversified
Less diversification More diversification

Positions

This portfolio is characterized by a heavy emphasis on equities, particularly in the technology sector, which accounts for 29% of the allocation. The inclusion of broad-market ETFs alongside individual tech and healthcare stocks suggests a growth-oriented strategy. The mix of large-cap names like Berkshire Hathaway and Alphabet Inc with smaller, more volatile positions like Advanced Micro Devices and Reddit, Inc. indicates a willingness to embrace risk for potential higher returns. The moderate diversification score reflects a concentrated approach, particularly in North American equities, which could expose the portfolio to regional market volatility.

Growth Info

Historically, this portfolio has achieved a Compound Annual Growth Rate (CAGR) of 13.30%, with a maximum drawdown of -26.51%. This performance, particularly the CAGR, is impressive and suggests that the portfolio's growth-focused strategy has paid off in the past. However, the substantial drawdown indicates periods of significant volatility, likely due to the high concentration in growth stocks and sectors. It's crucial to understand that while past performance is a useful indicator, it does not guarantee future returns, especially in a portfolio with high exposure to market fluctuations.

Projection Info

Monte Carlo simulations, which use historical data to project potential future outcomes, show a wide range of possibilities for this portfolio. The 50th percentile outcome of a 148.3% return is optimistic, but the 5th percentile outcome of an -84.6% loss highlights the risk inherent in this growth-focused strategy. These projections underscore the importance of risk tolerance and the need for a long-term investment horizon. While the simulations offer a glimpse into potential futures, they are based on past data and cannot account for unforeseen market changes.

Asset classes Info

  • Stocks
    100%

The portfolio's allocation is entirely in stocks, eschewing bonds, cash, or other asset classes that could provide income or reduce volatility. This single-asset-class focus enhances growth potential but also increases risk, particularly in market downturns. Diversifying across different asset classes can provide a buffer against stock market volatility and should be considered for balancing risk and return, especially for investors who may need to access their funds in the short to medium term.

Sectors Info

  • Technology
    29%
  • Financials
    17%
  • Telecommunications
    14%
  • Industrials
    12%
  • Consumer Discretionary
    11%
  • Health Care
    10%
  • Consumer Staples
    2%
  • Energy
    1%
  • Basic Materials
    1%
  • Real Estate
    1%
  • Utilities
    1%

The sectoral allocation shows a strong preference for technology, financial services, and communication services, which are sectors typically associated with higher growth and volatility. This concentration enhances the portfolio's growth potential but also its susceptibility to sector-specific downturns. Diversifying more evenly across sectors could help mitigate risk without significantly compromising growth potential, especially considering the cyclical nature of sectors like consumer cyclicals and industrials.

Regions Info

  • North America
    85%
  • Europe Developed
    10%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    1%

With 85% of assets in North America, the portfolio's geographic exposure is heavily skewed towards the US and Canada. While this concentration has likely contributed to the portfolio's strong historical performance, given the robust US stock market, it also increases vulnerability to regional economic shifts. Expanding exposure to developed European markets and emerging markets could offer growth opportunities and risk diversification benefits, particularly in different economic cycles.

Market capitalization Info

  • Mega-cap
    51%
  • Large-cap
    35%
  • Mid-cap
    9%
  • Small-cap
    3%
  • Micro-cap
    1%

The portfolio's emphasis on mega and big-cap stocks (86% combined) aligns with its growth and stability objectives, leveraging the potential for steady returns from established companies. However, the limited exposure to medium, small, and micro-cap stocks (13% combined) suggests a missed opportunity for higher growth potential, albeit with added volatility. Considering a slightly increased allocation to smaller-cap stocks could enhance returns, provided it aligns with the investor's risk tolerance.

Risk vs. return

This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.

Click on the colored dots to explore allocations.

Regarding risk versus return optimization, the portfolio's current configuration suggests room for improvement to achieve a more efficient balance. The Efficient Frontier analysis indicates that a portfolio with the same level of risk could potentially offer a higher expected return. This implies that reallocating assets or diversifying further could enhance returns without increasing risk. Exploring adjustments that maintain or slightly adjust the current risk level while seeking higher returns could be a valuable exercise.

Dividends Info

  • Canadian National Railway Company 2.70%
  • Alphabet Inc Class C 0.40%
  • Novo Nordisk A/S 3.30%
  • Vanguard Information Technology Index Fund ETF Shares 0.50%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.16%

The portfolio's overall dividend yield of 1.16% reflects a focus on growth over income. While the yields from Canadian National Railway and Novo Nordisk are notable, the low or nonexistent dividends from the technology holdings suggest reinvestment of earnings into growth rather than distribution to shareholders. For investors seeking income, increasing exposure to higher-dividend-yielding sectors or assets could provide a steady income stream in addition to potential capital gains.

Ongoing product costs Info

  • Vanguard Information Technology Index Fund ETF Shares 0.10%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.03%

The portfolio benefits from low overall costs, with Total Expense Ratios (TER) for the included ETFs ranging from 0.03% to 0.10%. These low fees are advantageous for long-term growth, as they minimize the drag on returns. Maintaining a focus on cost efficiency, especially when considering new investments, will continue to support better net performance over time.

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